1. First overdue: If the borrower's mortgage is overdue for the first time, the bank may warn this situation, but generally it will not directly lead to the rejection of the loan application. However, this overdue record will have a negative impact on the borrower's credit record, which may lead to an increase in interest rates and a decrease in loan amount.
2. Multiple overdue: If the borrower has multiple overdue mortgages, the bank will be more sensitive to this situation. Repeated overdue may further damage the borrower's credit record, have a greater impact on the borrower's credit rating, and further increase the possibility that the loan application will be rejected. At this time, borrowers need to actively communicate with banks to solve overdue problems and improve the performance of credit records.
3. Often overdue: If the borrower often fails to repay the loan on time, the bank will be more cautious when approving the loan application. Frequent overdue shows that the borrower has great repayment pressure or poor management, which will have a serious impact on the borrower's credit record and almost certainly lead to the failure of subsequent loan applications.
To sum up, the impact of overdue mortgage times on loan application is uncertain and needs to be evaluated according to the overall credit status of borrowers. However, overdue mortgage will have a negative impact on credit history. One overdue loan may lead to an increase in the interest rate of subsequent loans, and multiple or frequent overdue loans are more likely to lead to loan application failure. Therefore, the borrower should actively maintain a good credit record and repay the loan on time.
Remarks: The above answers are based on the general situation of borrowers in China. Specific banks may have different regulations on the number of overdue loans. Please communicate with specific banks to understand the relevant policies before handling the loan.